Supplement
FERS annuity supplement
What the FERS annuity supplement is, when it may matter, and why the calculator treats it carefully.
The supplement has eligibility and earnings-test details. This page is educational, not an official calculation.
Last reviewed 2026-04-25
What it is
The FERS annuity supplement is designed to approximate a Social Security benefit for certain FERS retirees before age 62.
It is not the same as Social Security, and it does not continue just because someone chooses to delay claiming Social Security after age 62.
Who may not receive it
OPM materials note that deferred benefits, disability benefits, and immediate MRA+10 benefits are not eligible for the annuity supplement.
Because supplement eligibility can depend on retirement type, the calculator should not invent a supplement amount before the relevant rule coverage is implemented.
Earnings test
The supplement can be subject to an earnings test. OPM survey guidance explains that earned income over an exempt amount can reduce the supplement.
The exempt amount can change over time, so any future supplement estimate must use dated source review and calculation tests.